Automotive · lender intelligence

How to finance a Fix Auto in California

State:

The SBA 7(a) lenders funding the most Fix Auto deals in California, from public loan records — typical Fix Auto loan about $2.2M. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Fix Auto in California

$639K

Typical loan

range $350K–$2.20M

$710K

Est. purchase price

≈ loan ÷ 90%

$94,963

Cash to close

$71,000 down + fees

$8,269/mo

Typical payment

~9.5% · 10yr

$114,112/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

43 days

Typical time to fund

Lenders competing

more = leverage

7.61%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Fix Auto in California

Ranked by funded Fix Auto loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.291 loans · $320M · Laguna Hills, CAFull record →
3.9 loans · $10M · Garden City Park, NYFull record →

9+ funded Fix Auto in California deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

JOHNNIE'S PAINT & BODY SHOP, INC. in Downey, CA — $5.0M (2026) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approved
2/6/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
67
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Auto Collision Concierge Services, LLC in Riverside, CA — $350K (2026) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.49% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
2 days
Approved
12/10/2025
First disbursed
12/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
New Business or 2 years or less
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
SID'S AUTO BODY, INC. in La Mesa, CA — $4.1M (2024) · Hanover Community Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.0M (75%)
Approval → funding
43 days
Approved
5/9/2024
First disbursed
6/21/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Hanover Community Bank · Lender record →
Your business? Claim this record · Request removal
Fix Auto Vallejo in Vallejo, CA — $639K (2024) · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$479K (75%)
Approved
7/11/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
FA SOUTH ONTARIO LLC in Ontario, CA — $500K (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approved
11/9/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,066
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
5 star collision in Los Angeles, CA — $1.1M (2021) · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$844K (75%)
Approved
12/10/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
JOHNNIE'S PAINT & BODY SHOP, INC. in Pasadena, CA — $2.2M (2020) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.7M (75%)
Approved
9/21/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
JOHNNIE'S PAINT & BODY SHOP, INC. in Pasadena, CA — $250K (2020) · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$125K (50%)
Approved
9/21/2020
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
B.H.K.H., INC. in Escondido, CA — $100K (2020) · Wells Fargo Bank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
134 days
Approved
12/18/2019
First disbursed
4/30/2020
Loan status
Paid in full (1/31/2026)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
45
Business age
Existing or more than 2 years old
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Fix Auto in California? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded Fix Auto loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Fix Auto purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$2.2M typical Fix Auto loan
4 lenders active in California
9+ funded California deals
43 days typical to fund

Buyers buying a Fix Auto in California typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Fix Auto lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/fix-auto/california
API:: https://www.capbench.com/api/public/lenders?franchise=fix-auto
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.